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Hurricanes, tornados, blizzards, thunderstorms and torrential rains can wreak havoc on your business. Regardless of where your salon is located, sooner or later Mother Nature will pay you an unwelcome visit. To help protect yourself, your staff and your customers, as well as assets and operations, here are tips and suggestions to create a proactive plan:
Building & Structures
Review the structural integrity, including rotted wood, rusted metal, physical damage, loose/missing fasteners, etc. Replace or repair all damaged, missing or compromised components. Inspect roof coverings, perimeter flashings, gutters, drains, ventilators and other roof-mounted equipment. Inspect exterior wall coverings for attachment, damage and weather-tightness.
Ensure that all fire protection equipment is serviced and operational. This includes fire extinguishers, smoke alarms, etc.
Arrange for several forms of emergency communications including cell phones, two-way radios, etc. Make sure emergency lighting is operational and battery backups functioning.
Designate Safe Areas
Identify areas inside your business or nearby where you, your staff and your customers can seek shelter in the event of a major storm.
Emergency Supplies & First Aid
Your facility should have on hand a 1-2 day supply of bottled water and sealed food items, as well as a well-stocked first aid kit, flashlights and extra batteries.
Video & Photographic Record of Business Contents, Interior & Exterior
Create a time-and-date-stamped video of your salon’s contents conducted on a room-by-room and area-by-area basis. Document all equipment, inventory, computers, windows, furniture and fixtures. Demonstrate the working and physical condition of all equipment. In addition, document the condition of all interior and exterior walls, ceilings, roof, shingles, signage, etc.
If damage has occurred, contact your insurance provider as soon as possible to begin the claim process.
Regardless of where your salon is located, sooner or later Mother Nature will pay you an unwelcome visit.
Jenny is Vice President of Universal Insurance Programs, based in Phoenix, AZ. She works with new and existing salon owners to determine and provide insurance coverage for their unique business models. Contact Jenny with any questions regarding your insurance at 800.844.2101 x1480 or email firstname.lastname@example.org.
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